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Financial Goals: What’s Smart, What’s Not
Setting financial goals is a skill. Believe it or not, it can be done incorrectly. To most, this is surprising news, since we tend to think about goals as things we want, and it takes no skill to simply want something. Goal-setting is part of establishing a budget, so you want to know you’re doing […]
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How to Budget When Paychecks Fluctuate
It’s possible to know how to budget even when you don’t know what you’ll get paid this week or next. Here’s what to do when your income varies…
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4 Tips to Help You Pay Bills on Time
Missing bill payments can ding your credit score and usually results in a fee. Learn how to pay bills on time with these tips.
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CESI Celebrates Twenty Years of Enhancing Economic Security for Consumers
Raleigh, NC – Non-Profit Consumer Education Services Inc. (CESI) has reached an exciting milestone as the company is celebrating 20 years of delivering innovative financial services to consumers struggling to manage their financial well-being. Since 1998, CESI has been a trusted non-profit resource for more than a million individuals struggling financially, by offering counseling and financial […]
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Celebrating 20 Years of CESI History
Since 1998, Consumer Education Services Inc. (CESI) has been a trusted non-profit resource for individuals and families who are struggling financially. CESI offers financial counseling and solutions to help consumers address their unsecured debt and support to help make wise financial choices every day. CESI Mission Consumer Education Services, Inc. (CESI) is a non-profit service provider […]
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How Does Credit Counseling Work?
How does credit counseling work? If you struggle with debt, you may have asked this question. There’s a lot of confusing information out there about how to handle your debt and what options are available to help you break free. Credit counseling is one of many options available, but how do you know whether or […]
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How Millennials Can Alleviate Financial Stress
A 2016 study from Payoff surveyed over 2,000 people and discovered that almost a quarter of respondents had PTSD-like symptoms due to their financial stress. For millennials, that number was as high as 36%. Many had nightmares of becoming homeless. With any kind of severe stress, responses like fear and denial, are common. That’s not […]
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Nearly 1 in 4 Americans Aren’t Prepared For a Financial Emergency
Many of us are not prepared for a financial emergency. In fact, nearly 1 in 4 Americans have bigger credit card bill than emergency fund, according to a new report from Bankrate.com. The survey found that 21 percent of respondents say their credit card debt is larger than the amount they have saved in case […]
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Is Your paycheck Bigger Thanks to the New Tax Bill?
American workers might be seeing a bit of a bump in their take-home pay, thanks to the new tax bill that President Trump signed into law in December of 2017. The U.S. Department of Treasury and the Internal Revenue Service estimate that under the new tax bill, 90 percent of wage earners will see an increase […]
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Debt Consolidation: Will it Hurt Your Credit?
Your debt is starting to feel unmanageable. You can’t continue to juggle minimum payments and carry balances that don’t seem to go down. Something has to give. If you’re researching options for debt relief, you’ll likely come across two popular terms: Debt Management Plan and Debt Consolidation Loan. How do they work? How will they […]